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1. 发明授权

US11886519B1 Systems and methods of managing a database of alphanumeric values 有权
公开(公告)号：US11886519B1
公开(公告)日：2024-01-30
申请号：US18066198
申请日：2022-12-14
申请人： Experian Information Solutions, Inc.
发明人： Kirsten Marie Von Busch , Ryan B. Cain , Dominic Edward DeGuiseppe , Wen Zhang , Erik Peter Hjermstad
IPC分类号： G06F16/00 , G06F16/951 , G06F16/27 , G06F16/248 , G06F16/23 , G08B21/18 , H04L67/10
CPC分类号： G06F16/951 , G06F16/2365 , G06F16/248 , G06F16/27 , G08B21/182 , H04L67/10
摘要： One aspect of the subject matter described herein comprises a database management system. The database management system comprises a communication circuit, an interface, and a processor. The communication circuit receives information from databases via a communication network. The interface allows user operation and interaction via the communication network and the database management system. The processor provides data to and receives data from the interface, including a plurality of alphanumeric records comprising at least one unique identifier, obtains database records from other databases for each unique identifier, identifies a number of alphanumeric records in the plurality having events in their histories, determines a percentage of alphanumeric records in the plurality having negative events in their histories, generates a report including the determined percentages, and conveys the report to the user.

2. 发明授权

US12073448B1 System, method, apparatus and medium for simultaneously generating vehicle history reports and preapproved financing options 有权
公开(公告)号：US12073448B1
公开(公告)日：2024-08-27
申请号：US17948081
申请日：2022-09-19
申请人： Experian Information Solutions, Inc.
发明人： Ryan B. Cain , Will Hope , Kirsten Von Busch , Dominic Edward DeGuiseppe
IPC分类号： G06Q30/06 , G06Q30/0601 , G06Q40/03 , G07C5/08
CPC分类号： G06Q30/0623 , G06Q30/0641 , G06Q40/03 , G07C5/08
摘要： One embodiment of the system and method described herein provides a computer system configured to provide an interface for operation by a user at a remote computing device, receive a request from the user for a vehicle history report of a vehicle. The computer system is further configured to prompt the user for interest in a prequalification for a financing offer. The computer system is further configured to receive the indication of the user's interest in the prequalification. The system also includes a data storage module, accessible by the computer system, configured to retrieve data corresponding to the vehicle, store the retrieved data, retrieve data corresponding to a determination regarding the prequalification for the financing offer, and store the retrieved determination. The computer system is further configured to convey the vehicle history report to the user and convey the prequalification determination to the user.

3. 发明授权

US11210351B1 Systems and methods of managing a database of alphanumeric values 有权
公开(公告)号：US11210351B1
公开(公告)日：2021-12-28
申请号：US16521414
申请日：2019-07-24
申请人： Experian Information Solutions, Inc.
发明人： Kirsten Marie Von Busch , Ryan B. Cain , Dominic Edward DeGuiseppe , Wen Zhang , Erik Peter Hjermstad
IPC分类号： G06F16/00 , G06F16/951 , G06F16/27 , G06F16/23 , G06F16/248 , H04L29/08 , G08B21/18
摘要： One aspect of the subject matter described herein comprises a database management system. The database management system comprises a communication circuit, an interface, and a processor. The communication circuit receives information from databases via a communication network. The interface allows user operation and interaction via the communication network and the database management system. The processor provides data to and receives data from the interface, including a plurality of alphanumeric records comprising at least one unique identifier, obtains database records from other databases for each unique identifier, identifies a number of alphanumeric records in the plurality having events in their histories, determines a percentage of alphanumeric records in the plurality having negative events in their histories, generates a report including the determined percentages, and conveys the report to the user.

4. 发明申请

US20160180428A1 METHODS AND SYTEM FOR SIMULTANEOUSLY GENERATING VEHICLE HISTORY REPORTS AND PREAPPROVED FINANCING OPTIONS 审中-公开
标题翻译：同时生成车辆历史报告和预先提供的融资方案的方法和系统
公开(公告)号：US20160180428A1
公开(公告)日：2016-06-23
申请号：US14975470
申请日：2015-12-18
申请人： Experian Information Solutions, Inc.
发明人： Ryan B. Cain , Will Hope , Kirsten Von Busch , Dominic Edward DeGuiseppe
IPC分类号： G06Q30/06 , G07C5/08 , G06Q40/02
摘要： One embodiment of the system and method described herein provides a computer system configured to provide an interface for operation by a user at a remote computing device, receive a request from the user for a vehicle history report of a vehicle. The computer system is further configured to prompt the user for interest in a prequalification for a financing offer. The computer system is further configured to receive the indication of the user's interest in the prequalification. The system also includes a data storage module, accessible by the computer system, configured to retrieve data corresponding to the vehicle, store the retrieved data, retrieve data corresponding to a determination regarding the prequalification for the financing offer, and store the retrieved determination. The computer system is further configured to convey the vehicle history report to the user and convey the prequalification determination to the user.
摘要翻译：本文描述的系统和方法的一个实施例提供了一种被配置为提供用于在远程计算设备处的用户的操作的接口的计算机系统，从车辆的车辆历史报告接收来自用户的请求。该计算机系统进一步被配置为提示用户对融资报价进行资格预审的兴趣。计算机系统还被配置为在资格预审中接收用户对兴趣的指示。该系统还包括可由计算机系统访问的数据存储模块，被配置为检索对应于车辆的数据，存储检索到的数据，检索对应于关于融资提议的资格预审的确定的数据，并存储检索的确定。计算机系统还被配置为将车辆历史报告传送给用户，并向用户传达资格预审确定。

5. 发明授权

US11481827B1 System, method, apparatus and medium for simultaneously generating vehicle history reports and preapproved financing options 有权
公开(公告)号：US11481827B1
公开(公告)日：2022-10-25
申请号：US16792107
申请日：2020-02-14
申请人： Experian Information Solutions, Inc.
发明人： Ryan B. Cain , Will Hope , Kirsten Von Busch , Dominic Edward DeGuiseppe
IPC分类号： G06Q30/06 , G06Q40/02
摘要： One embodiment of the system and method described herein provides a computer system configured to provide an interface for operation by a user at a remote computing device, receive a request from the user for a vehicle history report of a vehicle. The computer system is further configured to prompt the user for interest in a prequalification for a financing offer. The computer system is further configured to receive the indication of the user's interest in the prequalification. The system also includes a data storage module, accessible by the computer system, configured to retrieve data corresponding to the vehicle, store the retrieved data, retrieve data corresponding to a determination regarding the prequalification for the financing offer, and store the retrieved determination. The computer system is further configured to convey the vehicle history report to the user and convey the prequalification determination to the user.

6. 发明申请

US20160267588A1 SYSTEMS AND METHODS OF FINANCING PREAPPROVAL AND PREQUALIFICATION OPTIONS FOR EQUITY MINING 审中-公开
标题翻译：资金预算和预算选择的系统和方法
公开(公告)号：US20160267588A1
公开(公告)日：2016-09-15
申请号：US15069807
申请日：2016-03-14
申请人： Experian Information Solutions, Inc.
发明人： Ryan B. Cain , Will Hope , Kirsten Marie Von Busch , Dominic Edward DeGuiseppe
IPC分类号： G06Q40/02
CPC分类号： G06Q40/025
摘要： One embodiment of the system described herein provides an interface for operation at a remote computing device and receive a list of consumers and vehicles for prequalification and equity determinations. The system further receives one or more criteria, obtains credit history records for at least one consumer on the first list, and compares at least obtained credit history record with the received one or more criteria. The system further identifies which consumers of the first list exceed the one or more criteria, obtains vehicle history records for at least one vehicle on the first list, and calculates vehicle equity values for the at least one vehicle on the first list. The system further generates generate a second list of consumers that are prequalified and vehicle equity values for conveyance via the interface.
摘要翻译：本文描述的系统的一个实施例提供了用于在远程计算设备处操作并且接收用于资格预审和公平确定的消费者和车辆的列表的界面。该系统还接收一个或多个标准，在第一列表上为至少一个消费者获取信用记录记录，并将至少获得的信用记录记录与所接收的一个或多个标准进行比较。该系统进一步识别第一列表的哪个消费者超过一个或多个标准，获取第一列表上的至少一辆车辆的车辆历史记录，并且计算第一列表上的至少一辆车辆的车辆权益值。该系统进一步产生产生经资格认证的消费者的第二列表和通过接口传送的车辆权益值。

7. 发明授权

US11568005B1 Systems and methods of managing a database of alphanumeric values 有权
公开(公告)号：US11568005B1
公开(公告)日：2023-01-31
申请号：US17455368
申请日：2021-11-17
申请人： Experian Information Solutions, Inc.
发明人： Kirsten Marie Von Busch , Ryan B. Cain , Dominic Edward DeGuiseppe , Wen Zhang , Erik Peter Hjermstad
IPC分类号： G06F16/00 , G06F16/951 , G06F16/27 , G06F16/248 , G06F16/23 , G08B21/18 , H04L67/10
摘要： One aspect of the subject matter described herein comprises a database management system. The database management system comprises a communication circuit, an interface, and a processor. The communication circuit receives information from databases via a communication network. The interface allows user operation and interaction via the communication network and the database management system. The processor provides data to and receives data from the interface, including a plurality of alphanumeric records comprising at least one unique identifier, obtains database records from other databases for each unique identifier, identifies a number of alphanumeric records in the plurality having events in their histories, determines a percentage of alphanumeric records in the plurality having negative events in their histories, generates a report including the determined percentages, and conveys the report to the user.

8. 发明授权

US10580054B2 System, method, apparatus and medium for simultaneously generating vehicle history reports and preapproved financing options 有权
公开(公告)号：US10580054B2
公开(公告)日：2020-03-03
申请号：US14975470
申请日：2015-12-18
申请人： Experian Information Solutions, Inc.
发明人： Ryan B. Cain , Will Hope , Kirsten Von Busch , Dominic Edward DeGuiseppe
IPC分类号： G06Q30/00 , G06Q30/06 , G06Q40/02 , G07C5/08
摘要： One embodiment of the system and method described herein provides a computer system configured to provide an interface for operation by a user at a remote computing device, receive a request from the user for a vehicle history report of a vehicle. The computer system is further configured to prompt the user for interest in a prequalification for a financing offer. The computer system is further configured to receive the indication of the user's interest in the prequalification. The system also includes a data storage module, accessible by the computer system, configured to retrieve data corresponding to the vehicle, store the retrieved data, retrieve data corresponding to a determination regarding the prequalification for the financing offer, and store the retrieved determination. The computer system is further configured to convey the vehicle history report to the user and convey the prequalification determination to the user.

9. 发明授权

US10409867B1 Systems and methods of managing a database of alphanumeric values 有权
公开(公告)号：US10409867B1
公开(公告)日：2019-09-10
申请号：US15624609
申请日：2017-06-15
申请人： Experian Information Solutions, Inc.
发明人： Kirsten Marie Von Busch , Ryan B. Cain , Dominic Edward DeGuiseppe , Wen Zhang , Erik Peter Hjermstad
IPC分类号： G06F16/00 , G06F16/951 , G06F16/27 , G06F16/248 , G06F16/23 , G08B21/18 , H04L29/08
摘要： One aspect of the subject matter described herein comprises a database management system. The database management system comprises a communication circuit, an interface, and a processor. The communication circuit receives information from databases via a communication network. The interface allows user operation and interaction via the communication network and the database management system. The processor provides data to and receives data from the interface, including a plurality of alphanumeric records comprising at least one unique identifier, obtains database records from other databases for each unique identifier, identifies a number of alphanumeric records in the plurality having events in their histories, determines a percentage of alphanumeric records in the plurality having negative events in their histories, generates a report including the determined percentages, and conveys the report to the user.

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